Call reports 2011
CITIZENS BANK AND TRUST COMPANY — 2011
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,377,000 | 121,709,000 | 118,633,000 | 124,083,000 |
| Total loans | 70,368,000 | 74,406,000 | 75,855,000 | 67,464,000 |
| Allowance for loan losses | 907,000 | 887,000 | 832,000 | 800,000 |
| Securities available for sale | 2,231,000 | 2,237,000 | 2,234,000 | 2,225,000 |
| Securities held to maturity | 29,290,000 | 20,854,000 | 21,093,000 | 22,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,227,000 | 101,165,000 | 99,305,000 | 104,795,000 |
| Interest-bearing deposits | 80,457,000 | 79,415,000 | 75,516,000 | 79,649,000 |
| Noninterest-bearing deposits | 19,770,000 | 21,750,000 | 23,789,000 | 25,146,000 |
| Equity capital | 11,844,000 | 12,139,000 | 12,258,000 | 12,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,538,000 | 3,889,000 | 5,117,000 |
| Interest expense | 257,000 | 519,000 | 752,000 | 932,000 |
| Net interest income | 1,018,000 | 2,019,000 | 3,137,000 | 4,185,000 |
| Noninterest income | 243,000 | 479,000 | 652,000 | 877,000 |
| Noninterest expense | 1,046,000 | 1,983,000 | 2,987,000 | 4,005,000 |
| Provision for loan losses | 156,000 | 153,000 | 219,000 | 313,000 |
| Pretax income | -345,000 | -56,000 | 66,000 | 276,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -345,000 | -56,000 | 66,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,844,000 | 12,139,000 | 12,258,000 | 12,173,000 |
| Total capital | 12,751,000 | 13,026,000 | 13,090,000 | 12,973,000 |
| Risk-weighted assets | 102,932,000 | 108,740,000 | 108,766,000 | 105,688,000 |